Bgirl92
I am 21 years old and currently a part time CVS employee. I have a 9 month old son and live with my boyfriend. I am also a full time college student. I recently found out I am pregnant and am actually happy about it. But quickly, that joy turned into panic.
My boyfriend has a decent job working at a beer distribution company making about 2300 a month. And I'm making about 600 a month. He *occasionally* works at Cracker Barrel as a Waiter (maybe one shift every 2 weeks, because we work so much at our other 2 jobs that he doesn't have time to really work at Cracker Barrel). So that's not even a guaranteed income. A combined income of about 3000 a month before taxes.
I am under medically needy medicaid with a copay of 690 a month before they will cover anything (so its pretty much useless). I don't have any other form of insurance, and cannot be covered under my boyfriends, as we are not married.
By my income alone, I would qualify for pregnancy medicaid. But with his, I'm not sure. His paychecks pays our bills (rent, car insurance, food, water, electric, etc) and the fact that I have no health insurance makes it almost impossible for any insurance company to even consider me, because the fact that I'm pregnant is a pre-existing condition at this point.
Will they turn me down because of my boyfriends income? I think its wrong that they'd reject someone because the person they are dating makes too much money, when I can't benefit from his income by getting insurance for the baby. Plus, by law we are two separate entities, and the fact that we are not married and he's the main source of income means at any moment he could walk away or tell me to get out. At which point, I'd be screwed. So by law, how can they reject me because of him? We are tied to together legally by a very thin wire compared to marriage.
Before any of you post negative comments, I DO have a job. I pay taxes and so does my boyfriend, so we would NOT be living off of your taxpayer dollars, but simply getting back what we put in because we need it. We both work hard, and work a lot. We aren't dirt poor, but aren't rich either to where we can afford $200 per doctor appointment or the THOUSANDS it costs for delivery. I don't have insurance so all costs would come out of pocket.
Also, will they consider that I'm a college student and take that into account?
And if I don't get approved, what other options do I have? Thanks for any positive or helpful comments.
Answer
Sounds like you qualify for pregnancy Medicaid, and your son should be on state insurance. I would apply anyway. Usually, for Medicaid they do not count a "boyfriends" income. I can't believe you would need to spend nearly $690 a month for insurance. Under the ACA, you premium isn't supposed to be over 9% of income. With the new ACA, there is lots of confusion.
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You should also be eligible for WIC, even with your boyfriends income.
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Oddly, some government programs like food stamps require to list income of all in the house. Other programs only look at the womens' income if she is single. You really need to call, go talk to a caseworker.
- My DIL had Medicaid in Georgia with your total family income.
And yes - she is married. And yes, her husband/my son also has a Master degree and works in a school administration, but when he got that job they only offered him coverage since she was pregnant.
http://www.floridahealth.gov/healthy-people-and-families/wic/wic-eligibility.html
WIC can seriously help you out and answer your questions. You qualify as a family of four.
http://www.assurancewireless.com/public/howtoqualify.aspx
and if you get Medicaid, and need a free cell phone plan you can get that too.
I have worked social services for years.
and best wishes on your new baby!
Sounds like you qualify for pregnancy Medicaid, and your son should be on state insurance. I would apply anyway. Usually, for Medicaid they do not count a "boyfriends" income. I can't believe you would need to spend nearly $690 a month for insurance. Under the ACA, you premium isn't supposed to be over 9% of income. With the new ACA, there is lots of confusion.
.
You should also be eligible for WIC, even with your boyfriends income.
.
Oddly, some government programs like food stamps require to list income of all in the house. Other programs only look at the womens' income if she is single. You really need to call, go talk to a caseworker.
- My DIL had Medicaid in Georgia with your total family income.
And yes - she is married. And yes, her husband/my son also has a Master degree and works in a school administration, but when he got that job they only offered him coverage since she was pregnant.
http://www.floridahealth.gov/healthy-people-and-families/wic/wic-eligibility.html
WIC can seriously help you out and answer your questions. You qualify as a family of four.
http://www.assurancewireless.com/public/howtoqualify.aspx
and if you get Medicaid, and need a free cell phone plan you can get that too.
I have worked social services for years.
and best wishes on your new baby!
does anyone know if i would be eligible for food stamps?
ThAnKfUl
I live in California, i'm seventeen and eight months pregnant. I'm still attending high school, and live with my parents, the baby's daddy is not in the picture at all. I would just need the food stamps while i finish up high school then i could get a job. But would they need to see my parents income since im under age? My parents aren't helping me out either they basically just let me stay at home and that's about it. i was also wondering if i could get my baby on medi-cal while i still have kaiser, or would we both need to get on medi-cal? im being serious so please no rude comments and thanks in advance to everyone else <3
Answer
It would depend on if your entire household qualifies. Since you're living with your parents, they will request your income and your parents' income and the whole household would have to qualify. If you were living on your own in poverty - then you would probably qualify, once the baby arrives because you would then be a two-person household. They would have to see your parents' income because you live in their household and because you are under the age of 18 and not emancipated (I assume).
For Medi-cal, your income should be all that's needed -- so, I would assume that your child should qualify. You should apply immediately because it can take several months for the process. You can look into WIC. If you are approved for Medi-Cal, you should automatically be approved for WIC, which can provide you with some food, formula (if you don't breastfeed), and a breast pump (if you do breastfeed). You'll have to pick up your vouchers monthly, have your iron tested periodically, and have your child's iron tested periodically -- you also have to attend some classes. However, since formula can easily cost over $200/month... it's a wonderful service.
You may qualify for Medi-cal and if you do, you should take it as a secondary insurance to cover the pregnancy, labor, and delivery costs that Kaiser may not cover. Sometimes deliveries do not go as planned and you can easily wrack up hundreds of thousands of dollars in medical bills -- although, since you're a minor your parents would be responsible for payment. Make sure that you take the child's father to court once the child is born to get an order of support and a paternity test if he denies the child. For government assistance you have to have a child support order unless you can prove that the father is a danger (police reports regarding abuse, etc.). Plus, I don't care how old he is... if you choose to have sex, you must be willing to support the results (aka - baby). My own son's father disappeared nine years ago while I was giving birth -- he's never seen him. I continue to go after child support because that is my child's right and we do need it... kids are expensive and they get even more expensive as they get older!
Good luck to you! Once you move out of your parents' home and into your own place, you can apply for food stamps with your income and child support information only. However, obviously it's expensive to pay rent, utilities, insurance, household supplies, groceries, etc -- so it may be worth it to stay at your parents house and just purchase food and perhaps pay a smaller rent.
It would depend on if your entire household qualifies. Since you're living with your parents, they will request your income and your parents' income and the whole household would have to qualify. If you were living on your own in poverty - then you would probably qualify, once the baby arrives because you would then be a two-person household. They would have to see your parents' income because you live in their household and because you are under the age of 18 and not emancipated (I assume).
For Medi-cal, your income should be all that's needed -- so, I would assume that your child should qualify. You should apply immediately because it can take several months for the process. You can look into WIC. If you are approved for Medi-Cal, you should automatically be approved for WIC, which can provide you with some food, formula (if you don't breastfeed), and a breast pump (if you do breastfeed). You'll have to pick up your vouchers monthly, have your iron tested periodically, and have your child's iron tested periodically -- you also have to attend some classes. However, since formula can easily cost over $200/month... it's a wonderful service.
You may qualify for Medi-cal and if you do, you should take it as a secondary insurance to cover the pregnancy, labor, and delivery costs that Kaiser may not cover. Sometimes deliveries do not go as planned and you can easily wrack up hundreds of thousands of dollars in medical bills -- although, since you're a minor your parents would be responsible for payment. Make sure that you take the child's father to court once the child is born to get an order of support and a paternity test if he denies the child. For government assistance you have to have a child support order unless you can prove that the father is a danger (police reports regarding abuse, etc.). Plus, I don't care how old he is... if you choose to have sex, you must be willing to support the results (aka - baby). My own son's father disappeared nine years ago while I was giving birth -- he's never seen him. I continue to go after child support because that is my child's right and we do need it... kids are expensive and they get even more expensive as they get older!
Good luck to you! Once you move out of your parents' home and into your own place, you can apply for food stamps with your income and child support information only. However, obviously it's expensive to pay rent, utilities, insurance, household supplies, groceries, etc -- so it may be worth it to stay at your parents house and just purchase food and perhaps pay a smaller rent.
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Title Post: Pregnancy Medicaid coverage in FL?
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Rating: 95% based on 95 ratings. 4.8 user reviews.
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